With 40% partial offset accounts.
1
Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
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Fixed rate home loans
Enjoy the peace of mind that comes with locking in a fixed rate on your home loan and knowing what your repayments will be for one to five years.
Benefits of a fixed rate home loan
Our fixed rate home loans
Complete Home Loan Package
Save money by combining your accounts into a simple package with one annual fee.
- Application fee: $0
- $395 annual package fee
- Up to nine offset accounts with no monthly fee and no annual credit card fee.
1
Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
6.29%
p.a.
3 year fixed rate
7.16%
p.a.
Comparison rate
LVR
up to 80%. Loan sizes from $200,000.
Understand the comparison rate
.
Fixed Rate Home Loan
Simplicity, only pay for features you need.
- Application fee: $295 (usually $695)
- $12 monthly maintenance fee during fixed term
- Include one offset account at no extra cost during fixed term.
2
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.
6.49%
p.a.
3 year fixed rate
8.31%
p.a.
Comparison rate
LVR
up to 80%. Loan sizes from $20,000.
Understand the comparison rate
.
Complete Home Loan Package
Save money by combining your accounts into a simple package with one annual fee.
- Application fee: $0
- $395 annual package fee
- Up to nine offset accounts with no monthly fee and no annual credit card fee.
1
Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
6.49%
p.a.
3 year fixed rate
7.84%
p.a.
Comparison rate
LVR
up to 90% with
LMI
. Loan sizes from $200,000.
Understand the comparison rate
.
Fixed Rate Home Loan
Simplicity, only pay for features you need.
- Application fee: $295 (usually $695)
- $12 monthly maintenance fee during fixed term
- Include one offset account at no extra cost during fixed term.
2
Offset Transaction Account must be held in the same name as the loan account. Other exclusions apply. No offset fee applies during the fixed term although a $12 monthly loan maintenance fee applies. At the end of the fixed term, a $10 monthly offset fee applies per offset account. Monthly offset fee is charged to the offset account, not the home loan.
6.69%
p.a.
3 year fixed rate
8.80%
p.a.
Comparison rate
LVR
up to 90% with
LMI
. Loan sizes from $20,000.
Understand the comparison rate
.
Rates shown are for principal and interest repayments. Different rates apply for interest only.
Dedicated lending specialists
We're available seven days a week, including evenings.
Save on home loan interest
You could pay your home loan off faster with up to nine offset accounts. 1 Offset Transaction Account must be held in the same name as the loan account. Maximum 40% offset is available with our Complete Fixed and Fixed Rate home loans. Other exclusions apply. Account holders must be 18 years or older. Other fees and charges may apply. Credit interest is not payable on this account. Where a monthly offset fee applies, it will apply to each offset account held.
Easy applications
Track the progress of your home loan application and sign important documents digitally from anywhere.
Award-winning
Money Magazine 'Home Lender of the Year 2023', MFAA 'Non-Major Lender of the Year' for six years running, and Australian Mortgage Awards 'Bank of the Year' twice.
Frequently asked questions
A fixed rate home loan lets you fix your interest rate for a set period between one and five years. Your rate and the repayments you make on your home loan won't change during this period. At the end of your fixed rate period, you can choose to either fix a new rate, or roll to a variable rate home loan.
A variable rate home loan has an interest rate that changes over time, making it more flexible than a home loan with a fixed rate. Learn more about the differences between fixed and variable rates.
Splitting a fixed loan would be considered a break in the fixed term, so break fees may apply. If you have a variable loan, it's easy to split your loan between variable and fixed.
The break fee depends on a number of factors, including how long you have left on your fixed period. Learn more about ending your fixed rate home loan early.
An offset account is a transaction account linked to your home loan, and the money in that account “offsets” your home loan so that you pay less interest. Depending on the type of home loan you have, you might be able to set up multiple offset accounts.
Whether it's after hours or on the weekend, let us know what works for you and we'll make it happen.
Keep exploring
- Learn about our variable rate home loans
- Check out our home loan guides